Phil Goldfeder, CEO of the American FinTech Council, champions a customer-centric financial system, while Seema Gandhi, co-founder of CFES, focuses on developing sound standards for non-banks. They discuss the surge in bank-fintech collaborations and how these partnerships expand access to financial services. The conversation shifts to AI’s role in fraud detection, emphasizing the need for clear compliance standards and effective risk management to navigate the dynamic financial landscape.